10 Alasan Mengapa Gaji Tidak Pernah Cukup dan Solusinya

Yuk bagikan infonya...

Ilustrasi/Kompas
Ilustrasi/Kompas

Memutuskan mengonsumsi Starbucks seharga Rp 45.000 setiap hari sebelum berangkat kerja ternyata berdampak pada pencapaian finansial Anda.

Anda perlu tahu bahwa keputusan menggunakan uang dengan tergesa-gesa bisa membuat kantong bokek. Sebaliknya, jika keuangan dikelola secara teratur dan penuh pertimbangan sebelum melakukan suatu pembelanjaan niscaya Anda dapat mencapai tujuan finansial dalam hidup.

Masa setiap bulan Anda harus mengalami gali lubang, tutup lubang karena gaji tidak pernah cukup dalam sebulan. Ada 10 ‘penjahat’ yang membuat gaji bulanan tidak pernah cukup memenuhi kebutuhan bulanan. Jauhi sekarang juga agar memiliki keuangan yang merdeka.

1. Memiliki gaya hidup konsumtif

Siapa yang tidak tergiur dengan pesta diskon di pusat perbelanjaan? Diskon 50 % untuk pembelian barang kedua, beli 1 sepatu gratis 1 sepatu, sale hingga 70 % untuk penghabisan barang dan masih banyak lagi tagline promo untuk menggoda iman konsumen. Setiap mengunjungi pusat perbelanjaan dan supermarket, bagian kanan dan kiri ada saja outlet yang menggelar diskon.

Sebenarnya jika Anda bisa memanfaatkan diskon tersebut untuk membeli kebutuhan jelas menjadi keuntungan karena menghemat sekian persen. Namun, jika setiap terdapat pesta diskon membuat Anda tak pernah absen, sebaiknya harus segera berhenti. Bisa-bisa setiap melihat barang sale langsung beli padahal sebenarnya sedang tidak membutuhkannya.

Sifat konsumtif seperti itu tak baik jika dipelihara karena menghilangkan logika saat berbelanja. Sehingga berujung pada kantong jebol akibat gaji tak pernah cukup untuk memenuhi sifat konsumtif Anda.

Solusi

Buat list pembelanjaan dan bersikap disiplin setiap memasuki pusat perbelanjaan. Langsung datangi tempat tujuan anda untuk membeli kebutuhan dan beli untuk jangka panjang.Hindari juga melakukan window shopping karena mengakibatkan Anda membeli barang-barang di luar list belanjaan. Sebaiknya, ajak serta teman atau keluarga untuk menemani Anda belanja dan mengingatkan di saat sudah mulai tergoda dengan sale dan diskon.

2. Punya kebiasaan buruk

Merokok, mabuk-mabukan dan suka menyantap junk food adalah kebiasaan buruk yang menggerogoti keuangan serta kesehatan Anda. Bila memiliki salah satu dari kebiasaan buruk tersebut segera buang jauh-jauh. Gaji bukan saja tak cukup dalam sebulan malahan  bisa dalam setahun.

Kita ambil contoh sederhana, sebungkus rokok saat ini dihargai Rp 20.000. Dalam sehari Anda bisa menghabiskan dua bungkus rokok. Dalam seminggu sudah Rp 280.000 dikeluarkan untuk membeli rokok. Dan sebulan pengeluaran Anda untuk membeli rokok sebesar Rp 1.120.000. Apabila kebiasaan merokok Anda hentikan, Anda sudah punya tabungan Rp 13.440.000 dalam setahun. Kalau mau berhenti, Anda sudah bisa membeli sepeda motor secara tunai. Plus menghindari biaya perawatan di rumah sakit karena terserang penyakit akibat merokok.

Solusi

Berhenti merokok dan minum-minum sebelum terserang kebangkrutan dan penyakit keras. Anda bisa mulai hidup sehat caranya mengganti rokok dengan mengonsumsi buah-buahan, mengganti minum alkohol dengan air putih dan jus. Ingat, bahwa memelihara kebiasaan buruk ini terus menerus bukan hanya mengakibatkan gaji tak akan pernah cukup melainkan umur cepat berkurang.

Sebagai referensi Anda bisa mulai melihat dan meniru pola hidup sehat yang diterapkan oleh mantan pecandu rokok dan alkohol. Pun, ketika melepaskan kebiasaan buruk ini lakukan secara perlahan-lahan.

3. Terobsesi dengan cicilan 0%

Maraknya produk dan jasa dengan label cicilan 0% membuat mata sulit menolak. Dan terkadang karena hanya melihat embel-embel 0 % tersebut itulah, Anda jadi tergerak membeli produknya padahal belum membutuhkannya.

Tawaran program cicilan dari kartu kredit apalagi dengan bunga 0 % jelas membuat kita tergoda dan pada akhirnya mematikan mentalitas keuangan. Apalagi di saat sedang tidak memegang uang tunai. Mau beli gadget terbaru bisa dicicil saja, beli tas bermerk dapat cicilan, punya elektronik untuk mengisi rumah bisa dicicil.

Oke, kemudahan inilah yang akhirnya membuat Anda terobsesi untuk membeli suatu produk secara terus menerus. Hingga akhirnya cicilan Anda menumpuk. Dan tanpa disadari jumlah cicilan dalam sebulan sudah melebihi gaji dalam sebulan. Sudah terlambat untuk menyesalinya.

Ingat kegunaan kartu kredit bukan untuk membuat Anda menumpuk utang dan melakukan pembelian saat kesulitan keuangan, melainkan mempermudah transaksi.

Solusi

Mentalitas mengandalkan cicilan 0 % untuk membeli barang harus diubah. Sebelum mengambil program cicilan tersebut pertimbangkan secara matang, apakah barang tersebut perlu dibeli atau tidak. Kita harus komitmen apakah dapat membayar angsuran per bulannya secara teratur. Jika jawabannya tidak, maka lebih baik hindari pembelian dengan cara mengangsur.

Kalau ada uang tunai dan memang barang tersebut merupakan kebutuhan belilah menggunakan uang tunai. Daripada harus menumpuk cicilan di kartu kredit.

4. Terlalu irit bahkan pelit

Niatnya mau menghindari membayar biaya tol dengan melewati rute biasa, ujung-ujungnya malah menghabiskan uang lebih besar karena jaraknya lebih panjang dan kondisi jalanan macet sehingga menghabiskan bensin. Padahal bayar tol hanya Rp 10.000, sementara beli bensin jumlahnya lebih dari itu.

Contoh lain, Anda menghindari biaya parkir di pusat perbelanjaan karena saat ini biayanya sudah mahal. Lalu memilih parkir di pinggil jalan karena hanya bayar Rp 2.000 bahkan gratis. Padahal di balik itu ada beberapa kerugian yang harus Anda tanggung seperti kendaraan tidak aman, ditarik petugas karena parkir sembarangan dan lainnya. Kalau sudah begini masih mau irit?

Terlalu irit bukan membuat Anda hemat dan bisa menyimpan uang untuk ditabung, yang ada malah menyita tabungan. Lantas bagaimana solusinya?

Solusi

Berpikir untuk hemat bukan hal buruk, hanya pastikan terlebih dahulu apakah tindakan irit Anda tersebut memungkinkan untuk menyimpan uang atau malah menghabiskannya. Misalnya, jika mengambil jalan tol bisa menghemat waktu dan uang, kenapa harus menghindarinya demi sepeser uang Rp 10.000 saja. Pertimbangkan dampak jangka panjangnya, apakah sepadan dengan waktu serta kerumitan yang ditempuh.

5. Buta finansial

Gaji tidak pernah cukup apabila Anda termasuk individu yang buta finansial. Berdasar data dari World Bank, 49 % masyarakat Indonesia belum tersentuh pelayanan perbankan. Alasannya bermacam-macam. Sebanyak 79 persen mengatakan tidak memiliki , 9 persen tidak memiliki pekerjaan dan sisanya karena tidak merasakan manfaat dari menabung.

Data tersebut sangat mencengangkan karena pertanda orang Indonesia belum melek finansial dan tak mengerti manfaat fasilitas perbankan bagi kehidupan keuangan mereka. Mereka kurang memahami apa kegunaan tabungan, serta bagaimana cara mengelola keuangan.

Individu yang sama sekali tak menyentuh fasilitas perbankan pertanda bahwa keuangannya terancam. Pasalnya, Anda tak memiliki wadah untuk menyimpan gaji jadi bisa dipastikan gaji Anda tak pernah cukup.

Solusi

Belajar dan mengerti cara mengelola keuangan sejak dini adalah suatu keharusan. Bahkan menabung pun sudah diajarkan sejak dini. Sejak masih duduk di bangku sekolah. Masa ketika sudah memiliki penghasilan sendiri malah sulit menabung.

Agar lebih mengerti peranan produk perbankan dalam kondisi keuangan kita, Anda bisa melibatkan penasihat profesional atau mencari saran dari rekan-rekan Anda yang lebih berpengalaman di bidang ini. Dan mulailah terjun dalam produk perbankan seperti tabungan dan deposito untuk menyimpan kekayaan.

6. Besar pasak daripada tiang

Ini salah satu faktor gaji tidak pernah cukup setiap bulannya. Ya, besar pasak daripada tiang. Besar kebutuhan (ditambah keinginan) ketimbang penghasilan. Bila kebiasaan buruk ini terus berjalan, mau gaji Anda mengalami peningkatan sampai 3 kali lipat pun selalu tak pernah cukup.

Gaya hidup ini sebaiknya harus dihindari agar kondisi keuangan Anda selalu sehat. Jangan pernah tergoda membeli sepatu baru meskipun sale. Apalagi jika seminggu sebelumnya Anda baru membeli sepatu. Kurangi jajan dan makan di luar setiap minggu padahal masih banyak cicilan yang perlu dilunasi. Memelihara sifat seperti ini sama saja degan memelihara penyakit.

Solusi

Mulai berhemat. Ganti kebiasaan ngopi di kedai kopi setiap minggunya dengan membeli kopi dan membuat sendiri di rumah. Anda dapat lebih bebas meracik sesuai selera. Bawa bekal saat ke kantor juga mengurangi biaya makan dan jajan di luar. Periksa juga isi lemari Anda, apakah masih banyak pakaian dan sepatu menumpuk  yang belum terpakai?

Bila jawabannya ya maka urungkan niat Anda untuk membeli baju-baju baru. Lebih baik uangnya dipergunakan untuk memenuhi kebutuhan.

7. Tak punya anggaran bulanan

Siapa yang setiap bulannya membuat anggaran keuangan? Apakah  Anda selalu mencatat berapa pengeluaran dan pemasukan dalam sebulan? Pasti mayoritas menjawab tidak. Sangat disayangkan.

Ketika tanggal gajian tiba, segera transfer dan melakukan pembayaran cicilan. Itu hal pertama yang harus Anda lakukan. Baru sisanya dikelola untuk memenuhi kebutuhan bulanan. Ketiadaan anggaran bulanan membuat Anda selalu over spending. Dan pada akhirnya sama sekali tidak ada sisa gaji yang bisa disimpan untuk tabungan, Lebih parahnya, setiap bulan Anda selalu nombok. Ini namanya bencana keuangan.

Solusi

Buat anggaran per bulan untuk mengetahui arus keluar masuk keuangan Anda. Sehingga Anda lebih mudah mengontrol gaji dalam sebulan. Tulis dalam buku catatan, berapa gaji yang diterima bulan ini, lalu pemasukan lain jika ada dan pengeluaran untuk membeli kebutuhan, bayar utang dan cicilan. Lalu dana untuk tabungan, investasi, asuransi.

Setelah menulis semuanya dalam satu buku, Anda menyadari bahwa terlalu banyak pengeluaran namun kabar baiknya Anda jadi lebih komitmen dalam mengelola keuangan. Adanya transparansi keuangan ini membantu Anda untuk mengidentifikasi mana saja pengeluaran yang tak penting sehingga bisa dipotong. Disiplin dan ketekunan diperlukan untuk membuat anggaran bulanan!

8. Bayar tagihan dengan jumlah minimum

Kebiasaan membayar tagihan kartu kredit dengan jumlah minimum sebenarnya tanpa disadari dapat menggerus keuangan Anda. Jumlah utang tak akan usai karena bunga bank terus bertambah beserta saldo akhir tagihan Anda. Ketentuan kartu kredit mengenakan bunga apabila pemilik kartu tidak melakukan pembayaran penuh. Bunga dari sisa tagihan Anda akan ditambah ke jumlah tagihan berikutnya. Masalah akan timbul karena Anda harus terus menerus membayar bunga dari tagihan yang tersisa.

Akibatnya, setiap bulan gaji Anda habis hanya untuk membayar bunga saja. Belum membayar pemakaian kartu kredit bulanan.

Solusi

Hentikan sementara pemakaian kartu kredit apabila utang masih menumpuk. Sebaiknya tahan keinginan untuk membeli barang-barang yang sifatnya konsumtif. Beli ketika masih ada sisa uang tunai saja. Hindari penggunaan kartu kredit untuk memenuhi keinginan konsumtif Anda. Bisa-bisa utang tak pernah lunas dan gaji tidak pernah cukup untuk memenuhi kebutuhan.

9. Investasi bukan hal penting

Memikir bahwa investasi tidak penting adalah kesalahan besar. Investasi ini mumpuni mengembalikan modal awal Anda hingga tiga kali lipat. Meski demikian, carilah investasi dengan modal pengembalian tinggi. Berharap pada deposito karena minim risiko sebenarnya kurang tepat karena bunganya rendah.

Pemilihan instrument investasi harus disertai keahlian mengelola keuangan namun turut diiringi dengan pemikiran logis. Sebagai contoh, tingkat inflasi di Indonesia rata-rata skeitar 3,5 %. Jika berinvestasi di deposito hanya mumpuni menghasilkan keuntungan hingga 4 % per tahun. Sisa 1 % jelas belum mampu menangkal inflasi.

Solusi

Investasikan modal Anda sesuai profil risiko dan kemampuan keuangan. Tidak semua investasi berisiko tinggi. Untuk mendapat keuntungan lebih, Anda bisa diversifikasi investasi yakni menanamkan modal pada dua sampai tiga lumbung untuk mengelola risiko investasi. Dengan begitu Anda akan terselamatkan dari inflasi.

Untuk menyenangi dunia investasi, banyak membaca, belajar dan banyak bertanya pada teman atau keluarga yang lebih dahulu berinvestasi.

10. Mengabaikan asuransi

Penyakit atau musibah datangnya tak terduga. Anda bisa saja sakit dan harus dirawat inap berhari-hari hingga menghabiskan gaji Anda. Kalau sudah begini, Anda hanya bisa menyesali kesalahan mengapa tidak membekali diri dengan asuransi. Hal terburuk akan datang jika Anda adalah kepala keluarga atau pencari nafkah dalam keluarga dan harus mengorbankan seluruh tabungan untuk membayar biaya perawatan.

Hingga tahun 2014, jumlah orang Indonesia yang sudah sadar asuransi sebanyak 15,50 juta jiwa. Jumlah tersebut mengalami kenaikan dari periode 2013 yang sebanyak 13,62 juta orang. Hal ini menandakan orang Indonesia mulai melek asuransi. Masih banyak individu berpikir asurasni itu tidak penting karena hanya buang-buang uang. Padahal ungkapan tersebut salah besar.

Solusi

Mendaftar asuransi adalah solusi terbaik untuk menangkal kebangkrutan karena harus dirawat di rumah sakit. Memiliki asuransi juga mumpuni menjamin kehidupan masa tua yang nyaman. Bahkan masa pensiun dapat dilalui dengan tenang.

Belum punya asuransi? Segera daftar asuransi yang tepat. Cari tahu jenis asuransi yang tepat dan terbaik bagi Anda. Kemudian telusuri apa saja manfaat yang diperoleh saat terdaftar di asuransi dan bagaimana pertanggungannya.

Kebiasaan buruk yang menyebabkan gaji tidak cukup memang sulit dihentikan. Namun, sangat penting untuk mulai mengelola keuangan sehingga tercipta keseimbangan dalam pendapatan dan pengeluaran Anda. Sifat buruk di atas harus segera dibuang untuk menghindari terjadinya kebangkrutan dan penumpukan utang.

Semua orang pasti pernah mengalami kesulitan mengatur keuangan. Asal kita mau komitmen manajamen keuangan dan mencapai kehidupan finansial lebih baik niscaya keuangan akan kembali pulih. Kalau saat ini Anda sedang kecanduan belanja online, hindari dengan menonaktifkan newsletter dari e-commerce favorit Anda yang kerap menebar promosi dan diskon.

Kita perlu menata keuangan dan mengadopsi cara manajemen keuangan yang baik. Mulai membedakan mana kebutuhan dan keinginan. Pikir matang-matang sebelum membeli suatu barang.

Setelah mempelajari artikel ini, semoga gaji Anda tak lagi pas-pasan ya!

Oleh : Hanindya Christiana (aturduit)

Yuk bagikan inspirasinya…

Yuk bagikan infonya...

About Auther:

Info Biografi

230 thoughts on “10 Alasan Mengapa Gaji Tidak Pernah Cukup dan Solusinya

  1. Oh my goodness! Incredible article dude! Thank you, However I am encountering troubles with your RSS. I donít understand why I am unable to join it. Is there anybody else getting identical RSS issues? Anybody who knows the solution can you kindly respond? Thanx!!

  2. When I initially left a comment I seem to have clicked on the -Notify me when new comments are added- checkbox and now each time a comment is added I recieve four emails with the exact same comment. Perhaps there is a means you are able to remove me from that service? Cheers!

  3. Needed to put you a little bit of observation just to thank you so much once again on your lovely tactics you’ve shown above. This is certainly surprisingly generous of you to give freely exactly what numerous people would have sold as an e-book to end up making some money for their own end, notably considering the fact that you could have tried it if you wanted. Those pointers in addition worked to become good way to fully grasp some people have a similar passion the same as my very own to figure out significantly more in respect of this issue. Certainly there are numerous more pleasant periods ahead for folks who read your blog post.

  4. Nice post. I learn something more challenging on different blogs everyday. It will always be stimulating to read content from other writers and practice a little something from their store. I?d prefer to use some with the content on my blog whether you don?t mind. Natually I?ll give you a link on your web blog. Thanks for sharing.

  5. A motivating discussion is worth comment. There’s no doubt that that you ought to publish more about this topic, it might not be a taboo subject but generally folks don’t discuss such topics. To the next! Kind regards!!

  6. I blog frequently and I really thank you for your content. This great article has really peaked my interest. I will bookmark your blog and keep checking for new details about once per week. I opted in for your RSS feed as well.

  7. You’re so cool! I do not believe I’ve truly read through anything like that before. So wonderful to find somebody with some genuine thoughts on this subject. Seriously.. thanks for starting this up. This site is something that’s needed on the web, someone with a bit of originality!

  8. Oh my goodness! Awesome article dude! Many thanks, However I am experiencing troubles with your RSS. I donít know why I cannot subscribe to it. Is there anybody else having the same RSS problems? Anyone who knows the solution will you kindly respond? Thanx!!

  9. Hi there! This is kind of off topic but I need some help from an established blog. Is it tough to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about setting up my own but I’m not sure where to start. Do you have any tips or suggestions? Thank you

  10. Hi, Neat post. There is a problem together with your web site in web explorer, could check this… IE still is the marketplace leader and a huge component to other people will leave out your fantastic writing because of this problem.

  11. Oh my goodness! Impressive article dude! Many thanks, However I am going through problems with your RSS. I donít understand the reason why I can’t subscribe to it. Is there anyone else getting the same RSS problems? Anyone that knows the solution can you kindly respond? Thanks!!

  12. There are certainly quite a lot of particulars like that to take into consideration. That may be a great level to carry up. I provide the ideas above as basic inspiration but clearly there are questions like the one you bring up where a very powerful thing will likely be working in trustworthy good faith. I don?t know if greatest practices have emerged round issues like that, but I am positive that your job is clearly identified as a good game. Each girls and boys really feel the influence of only a second’s pleasure, for the remainder of their lives.

  13. Have you ever considered about adding a little bit more than just your articles? I mean, what you say is important and everything. Nevertheless imagine if you added some great images or video clips to give your posts more, “pop”! Your content is excellent but with images and clips, this blog could undeniably be one of the best in its niche. Awesome blog!

  14. Right here is the perfect webpage for everyone who really wants to find out about this topic. You understand a whole lot its almost tough to argue with you (not that I personally would want toÖHaHa). You definitely put a fresh spin on a subject that’s been written about for a long time. Wonderful stuff, just wonderful!

  15. This is the right blog for anyone who wants to find out about this topic. You realize so much its almost hard to argue with you (not that I actually would want?HaHa). You definitely put a new spin on a topic thats been written about for years. Great stuff, just great!

  16. Thank you for sharing excellent informations. Your website is so cool. I’m impressed by the details that you¦ve on this web site. It reveals how nicely you understand this subject. Bookmarked this web page, will come back for extra articles. You, my friend, ROCK! I found simply the info I already searched all over the place and just could not come across. What an ideal site.

  17. Aw, this was an exceptionally nice post. Taking a few minutes and actual effort to generate a very good articleÖ but what can I sayÖ I procrastinate a lot and never seem to get nearly anything done.

  18. Very nice post. I simply stumbled upon your blog and wished to mention that I’ve really enjoyed browsing your weblog posts. In any case I’ll be subscribing for your feed and I am hoping you write once more soon!

  19. A motivating discussion is worth comment. I do think that you need to publish more on this subject, it may not be a taboo subject but usually folks don’t speak about these topics. To the next! Many thanks!!

  20. Hello there! This blog post couldnít be written any better! Going through this post reminds me of my previous roommate! He constantly kept preaching about this. I am going to forward this information to him. Pretty sure he will have a great read. Thank you for sharing!

  21. I blog frequently and I truly appreciate your content. This article has really peaked my interest. I’m going to book mark your site and keep checking for new information about once per week. I opted in for your RSS feed as well.

  22. Can I simply say what a relief to find somebody who really understands what they are talking about online. You certainly understand how to bring a problem to light and make it important. More people really need to look at this and understand this side of the story. I was surprised that you are not more popular because you certainly have the gift.

  23. I truly love your blog.. Excellent colors & theme. Did you build this amazing site yourself? Please reply back as Iím planning to create my own personal blog and want to find out where you got this from or just what the theme is named. Thanks!

  24. The next time I read a blog, Hopefully it doesn’t fail me as much as this one. I mean, I know it was my choice to read through, nonetheless I really thought you’d have something interesting to talk about. All I hear is a bunch of moaning about something that you could possibly fix if you were not too busy looking for attention.

  25. A motivating discussion is worth comment. There’s no doubt that that you should publish more on this subject, it might not be a taboo subject but usually people don’t speak about these issues. To the next! Cheers!!

  26. Its such as you read my thoughts! You seem to grasp a lot approximately this, such as you wrote the e-book in it or something. I think that you just could do with some percent to force the message home a bit, but other than that, that is magnificent blog. A fantastic read. I’ll certainly be back.

  27. Attractive section of content. I just stumbled upon your web site and in accession capital to assert that I acquire in fact loved account your blog posts. Any way I’ll be subscribing to your augment or even I fulfillment you access constantly fast.

  28. Iím amazed, I must say. Seldom do I encounter a blog thatís both educative and engaging, and without a doubt, you have hit the nail on the head. The issue is an issue that not enough folks are speaking intelligently about. Now i’m very happy that I stumbled across this in my hunt for something concerning this.

  29. Aw, this was an incredibly good post. Taking a few minutes and actual effort to make a really good articleÖ but what can I sayÖ I put things off a whole lot and never seem to get anything done.

  30. Having read this I believed it was rather enlightening. I appreciate you taking the time and energy to put this information together. I once again find myself personally spending way too much time both reading and posting comments. But so what, it was still worth it!

  31. An intriguing discussion is worth comment. I believe that you should publish more about this topic, it may not be a taboo matter but usually people don’t discuss such topics. To the next! All the best!!

  32. Good post. I learn something new and challenging on sites I stumbleupon everyday. It will always be interesting to read content from other authors and use something from other websites.

  33. I just couldn’t depart your website before suggesting that I actually loved the usual information a person supply for your visitors? Is going to be back frequently to check up on new posts.

  34. The next time I read a blog, I hope that it doesnt disappoint me as much as this one. I mean, I know it was my choice to read, but I actually thought youd have something interesting to say. All I hear is a bunch of whining about something that you could fix if you werent too busy looking for attention.

  35. Having read this I believed it was extremely informative. I appreciate you finding the time and energy to put this article together. I once again find myself spending a significant amount of time both reading and posting comments. But so what, it was still worth it!

  36. Great beat ! I would like to apprentice whilst you amend your web site, how can i subscribe for a weblog website? The account aided me a acceptable deal. I were a little bit acquainted of this your broadcast provided vibrant clear concept

  37. An impressive share! I’ve just forwarded this onto a friend who had been doing a little homework on this. And he in fact bought me dinner because I found it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanx for spending the time to talk about this issue here on your site.

  38. Hi, I do think this is a great web site. I stumbledupon it 😉 I’m going to come back yet again since i have book marked it. Money and freedom is the greatest way to change, may you be rich and continue to guide other people.

  39. Aw, this was an exceptionally nice post. Taking the time and actual effort to create a superb articleÖ but what can I sayÖ I put things off a lot and don’t seem to get nearly anything done.

  40. When I originally left a comment I appear to have clicked the -Notify me when new comments are added- checkbox and now every time a comment is added I receive 4 emails with the same comment. There has to be a way you can remove me from that service? Appreciate it!

  41. Oh my goodness! Impressive article dude! Thanks, However I am going through difficulties with your RSS. I donít understand the reason why I can’t subscribe to it. Is there anybody else having similar RSS issues? Anyone that knows the answer will you kindly respond? Thanx!!

  42. I’m more than happy to find this page. I want to to thank you for ones time for this wonderful read!! I definitely really liked every little bit of it and I have you saved as a favorite to see new stuff on your site.

  43. I absolutely love your blog.. Pleasant colors & theme. Did you create this web site yourself? Please reply back as Iím hoping to create my own personal site and want to know where you got this from or just what the theme is named. Appreciate it!

  44. Good post. I learn something totally new and challenging on sites I stumbleupon on a daily basis. It will always be exciting to read articles from other authors and use something from other web sites.

  45. Greetings I am so glad I found your blog, I really found you by accident, while I was researching on Askjeeve for something else, Anyhow I am here now and would just like to say many thanks for a marvelous post and a all round interesting blog (I also love the theme/design), I don’t have time to look over it all at the moment but I have book-marked it and also added your RSS feeds, so when I have time I will be back to read a great deal more, Please do keep up the fantastic job.

  46. Having read this I thought it was extremely enlightening. I appreciate you taking the time and effort to put this article together. I once again find myself spending a lot of time both reading and leaving comments. But so what, it was still worthwhile!

  47. Thanks , I have just been looking for info approximately this subject for a while and yours is the best I’ve found out till now. But, what concerning the bottom line? Are you sure in regards to the supply?

  48. Howdy, I believe your web site could possibly be having web browser compatibility issues. Whenever I look at your site in Safari, it looks fine however when opening in I.E., it’s got some overlapping issues. I simply wanted to give you a quick heads up! Apart from that, wonderful blog!

  49. Hi! I could have sworn Iíve visited this site before but after going through many of the articles I realized itís new to me. Anyhow, Iím definitely pleased I discovered it and Iíll be bookmarking it and checking back regularly!

  50. Howdy, I believe your web site may be having browser compatibility issues. Whenever I look at your blog in Safari, it looks fine but when opening in Internet Explorer, it has some overlapping issues. I just wanted to give you a quick heads up! Aside from that, excellent blog!

  51. Howdy! I could have sworn Iíve been to your blog before but after looking at some of the posts I realized itís new to me. Anyhow, Iím definitely delighted I discovered it and Iíll be bookmarking it and checking back regularly!

  52. Oh my goodness! Incredible article dude! Thanks, However I am having problems with your RSS. I donít understand why I am unable to join it. Is there anybody getting the same RSS issues? Anyone that knows the solution will you kindly respond? Thanx!!

  53. That is a really good tip especially to those fresh to the blogosphere. Simple but very precise informationÖ Thanks for sharing this one. A must read article!

  54. Aw, this was a very nice post. In idea I would like to put in writing like this additionally – taking time and actual effort to make a very good article… but what can I say… I procrastinate alot and certainly not appear to get something done.

  55. An impressive share! I have just forwarded this onto a coworker who was doing a little research on this. And he actually ordered me lunch due to the fact that I found it for him… lol. So allow me to reword this…. Thank YOU for the meal!! But yeah, thanx for spending the time to talk about this matter here on your internet site.

  56. Aw, this was an exceptionally good post. Spending some time and actual effort to generate a top notch articleÖ but what can I sayÖ I put things off a whole lot and never manage to get nearly anything done.

  57. I needed to draft you the little bit of remark so as to thank you very much yet again regarding the wonderful things you’ve documented at this time. It is certainly pretty generous with people like you to allow publicly precisely what many of us could have marketed as an e book in making some profit on their own, notably now that you might have tried it in case you desired. Those solutions additionally worked to become a fantastic way to be aware that other individuals have the identical passion like my own to figure out a good deal more with regard to this problem. Certainly there are many more enjoyable situations up front for those who start reading your blog post.

  58. I blog quite often and I genuinely appreciate your content. This great article has truly peaked my interest. I am going to bookmark your blog and keep checking for new information about once per week. I opted in for your RSS feed too.

  59. Can I just say what a relief to uncover an individual who genuinely knows what they are talking about on the web. You actually realize how to bring an issue to light and make it important. A lot more people should look at this and understand this side of the story. I can’t believe you’re not more popular given that you surely possess the gift.

  60. Simply want to say your article is as astounding. The clarity in your post is just excellent and i could assume you are an expert on this subject. Well with your permission allow me to grab your feed to keep updated with forthcoming post. Thanks a million and please continue the enjoyable work.

  61. Hi, I do believe this is a great web site. I stumbledupon it 😉 I may return once again since I book marked it. Money and freedom is the greatest way to change, may you be rich and continue to guide others.

  62. I intended to post you this little observation to be able to say thanks over again just for the remarkable techniques you have discussed in this case. This has been extremely generous of people like you to supply publicly all that a lot of people might have supplied as an e-book to help make some profit for themselves, particularly considering that you could have done it if you decided. The basics additionally served to be a easy way to understand that other individuals have similar passion just like my own to know great deal more with regards to this condition. I’m certain there are several more pleasurable periods up front for people who check out your blog.

  63. The next time I read a blog, I hope that it doesnt disappoint me as much as this one. I mean, I know it was my choice to read, but I actually thought youd have something interesting to say. All I hear is a bunch of whining about something that you could fix if you werent too busy looking for attention.

  64. I needed to write you the very little observation in order to give many thanks again for all the lovely tricks you have shown at this time. This has been simply particularly open-handed of people like you giving unhampered just what a few people could possibly have offered for an ebook to earn some money on their own, mostly given that you might have tried it in the event you considered necessary. The principles likewise served to become a easy way to recognize that other individuals have the identical dreams just as my own to understand a good deal more on the topic of this matter. I’m certain there are thousands of more fun sessions in the future for many who look over your blog post.

  65. Hello! Someone in my Myspace group shared this website with us so I came to give it a look. I’m definitely loving the information. I’m bookmarking and will be tweeting this to my followers! Exceptional blog and terrific design.

  66. Pretty part of content. I simply stumbled upon your weblog and in accession capital to assert that I acquire in fact enjoyed account your weblog posts. Anyway I will be subscribing in your augment or even I achievement you access persistently quickly.

  67. Iím amazed, I must say. Seldom do I encounter a blog thatís equally educative and engaging, and let me tell you, you’ve hit the nail on the head. The problem is something that not enough people are speaking intelligently about. I am very happy I found this during my hunt for something regarding this.

  68. I like the valuable information you provide in your articles. I’ll bookmark your weblog and check again here frequently. I’m quite sure I will learn a lot of new stuff right here! Best of luck for the next!

  69. Hi, There’s no doubt that your blog could possibly be having browser compatibility issues. When I look at your blog in Safari, it looks fine however, when opening in Internet Explorer, it’s got some overlapping issues. I just wanted to give you a quick heads up! Besides that, excellent site!

  70. An intriguing discussion is definitely worth comment. There’s no doubt that that you should write more about this topic, it might not be a taboo matter but usually people do not talk about these issues. To the next! Kind regards!!

  71. Thanks for the sensible critique. Me & my neighbor were just preparing to do some research about this. We got a grab a book from our local library but I think I learned more from this post. I’m very glad to see such excellent information being shared freely out there.

  72. Aw, this was an extremely good post. Spending some time and actual effort to create a superb articleÖ but what can I sayÖ I put things off a lot and don’t seem to get anything done.

  73. I intended to draft you the tiny note to be able to say thanks the moment again relating to the splendid opinions you have contributed at this time. It was certainly open-handed of people like you to grant freely what exactly many of us would’ve advertised for an electronic book to help make some cash for their own end, particularly now that you could possibly have tried it in the event you considered necessary. These basics also worked to be a good way to recognize that other people have a similar fervor just as my very own to learn way more in terms of this matter. I know there are lots of more pleasurable periods up front for those who looked over your website.

  74. Iím impressed, I have to admit. Rarely do I come across a blog thatís equally educative and interesting, and let me tell you, you’ve hit the nail on the head. The issue is something not enough people are speaking intelligently about. I’m very happy that I stumbled across this in my hunt for something relating to this.

  75. Good site you have got here.. It’s difficult to find high quality writing like yours nowadays. I seriously appreciate individuals like you! Take care!!

  76. magnificent points altogether, you just gained a brand new reader. What would you suggest about your post that you made a few days ago? Any positive?

  77. A motivating discussion is worth comment. I believe that you ought to publish more about this subject, it might not be a taboo matter but typically folks don’t talk about such issues. To the next! Cheers!!

  78. What’s Happening i’m new to this, I stumbled upon this I have discovered It positively helpful and it has aided me out loads. I am hoping to give a contribution & aid other users like its aided me. Good job.

  79. You’ve made some really good points there. I looked on the net to find out more about the issue and found most individuals will go along with your views on this website.

  80. What i don’t understood is in fact how you’re now not really much more neatly-appreciated than you might be now. You are very intelligent. You understand thus considerably relating to this topic, produced me in my view believe it from so many varied angles. Its like women and men don’t seem to be involved unless it’s one thing to accomplish with Girl gaga! Your individual stuffs outstanding. All the time take care of it up!

  81. Good post. I learn something totally new and challenging on sites I stumbleupon everyday. It will always be exciting to read content from other writers and use something from their web sites.

  82. Howdy, I do think your site may be having browser compatibility issues. Whenever I take a look at your blog in Safari, it looks fine however, when opening in IE, it has some overlapping issues. I merely wanted to give you a quick heads up! Apart from that, great website!

  83. We are a group of volunteers and starting a new scheme in our community. Your website provided us with valuable info to work on. You have done a formidable job and our whole community will be thankful to you.

  84. Can I simply say what a relief to find a person that truly knows what they are talking about over the internet. You actually realize how to bring a problem to light and make it important. More people need to check this out and understand this side of the story. I can’t believe you’re not more popular given that you definitely possess the gift.

  85. After I originally commented I seem to have clicked the -Notify me when new comments are added- checkbox and from now on each time a comment is added I recieve four emails with the same comment. Is there a means you are able to remove me from that service? Kudos!

  86. My brother recommended I might like this website. He was totally right. This post actually made my day. You can not imagine just how much time I had spent for this info! Thanks!

  87. Heya i’m for the primary time here. I found this board and I to find It really useful & it helped me out much. I am hoping to provide something back and aid others like you aided me.

  88. By Julia Fioretti HONG KONG, March
    5 (Reuters) – Chinese drone maker EHang is planning a U.S.

    initial public offering (IPO) this year, according to two people with direct knowledge of the matter, with one saying it could
    raise between $400 and $500 million. Morgan Stanley and Credit Suisse
    are working on the offering, the people said. Another person said the deal was unlikely to be as
    large as $500 million. Credit Suisse declined to comment.

    EHang and Morgan Stanley did not reply to requests for comment. Founded in 2014 and headquartered in Guangzhou province,
    EHang first made headlines in 2016 when it unveiled a passenger
    drone concept which it said would retail at up to $300,000. Early last
    year it said it had completed tests for the vehicle which
    is capable of carrying one person at speeds of up to 130 kph. In May EHang broke the
    Guinness World Record for most drones flown simultaneously in a 13-minute flight that
    involved 1,374 drones spread over a kilometre. China
    has championed rapid development in its tech sector in a bid to build world-leading firms and reduce dependence on foreign products,
    including semiconductors, robots and drones. Global spending on drones was estimated to reach $9 billion last year and is expected to
    grow at a compound annual growth rate of 30 percent in the next
    five years, according to research firm IDC, which estimates more than half of
    that spending will be on drones for commercial use. EHang
    specializes in aerial landscaping.

    In consumer drones it is dwarfed by fellow Chinese drone maker SZ DJI Technology Co Ltd, which
    is the world’s largest maker of non-military drones and plans to list in either Hong Kong or mainland China, people familiar with the
    matter told Reuters last year. EHang joins a host of other Chinese
    start-ups seeking to go public in the United States, such as Tencent-backed
    live game-streaming platform Douyu, which has filed confidentially,
    according to a person with knowledge of the matter. Luckin Coffee, a Chinese rival to
    Starbucks, has also tapped three banks for a U.S.

    IPO which could value it at around $3 billion. Chinese companies raised $9.1 billion in U.S.
    IPOs last year, the highest since 2014 when e-commerce giant Alibaba went public with a $25 billion IPO, according to Refinitiv data.
    (Reporting by Julia Fioretti, additional reporting by Josh Horwitz in Shanghai Editing by Susan Fenton)

  89. An impressive share! I’ve just forwarded this onto a coworker who has been conducting a little research on this. And he actually bought me dinner due to the fact that I found it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanx for spending some time to discuss this matter here on your internet site.

  90. I seriously love your site.. Pleasant colors & theme. Did you create this amazing site yourself? Please reply back as Iím looking to create my own website and would like to learn where you got this from or exactly what the theme is called. Many thanks!

  91. Magnificent goods from you, man. I’ve take note your stuff prior to and you’re just extremely excellent. I really like what you’ve obtained here, really like what you’re stating and the way through which you assert it. You’re making it entertaining and you continue to care for to keep it sensible. I can’t wait to read far more from you. This is actually a great web site.

  92. Wow, amazing blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your web site is magnificent, as well as the content!

  93. That is a good tip especially to those new to the blogosphere. Short but very accurate informationÖ Many thanks for sharing this one. A must read article!

  94. I was excited to uncover this website. I wanted to thank you for your time for this particularly fantastic read!! I definitely loved every part of it and i also have you bookmarked to look at new information on your website.

  95. A fascinating discussion is definitely worth comment. I think that you need to write more on this subject matter, it may not be a taboo matter but generally people do not discuss such topics. To the next! Cheers!!

  96. A fascinating discussion is worth comment. There’s no doubt that that you ought to write more on this subject, it may not be a taboo matter but typically folks don’t speak about these issues. To the next! Many thanks!!

  97. This is the perfect web site for anybody who would like to understand this topic. You realize a whole lot its almost tough to argue with you (not that I really would want toÖHaHa). You definitely put a fresh spin on a topic that has been discussed for many years. Wonderful stuff, just wonderful!

  98. You’re so cool! I do not suppose I’ve truly read something like this before. So good to find another person with genuine thoughts on this subject matter. Seriously.. thank you for starting this up. This web site is one thing that is needed on the web, someone with a little originality!

  99. May I just say what a relief to find someone who actually knows what they are discussing on the net. You definitely realize how to bring an issue to light and make it important. A lot more people ought to read this and understand this side of the story. It’s surprising you’re not more popular since you most certainly possess the gift.

  100. Hi there! I just wish to give you a big thumbs up for the great info you have got here on this post. I will be coming back to your web site for more soon.

  101. I’m pretty pleased to discover this great site. I need to to thank you for ones time due to this fantastic read!! I definitely enjoyed every little bit of it and i also have you bookmarked to check out new stuff in your blog.

  102. I would like to thank you for the efforts you have put in writing this website. I am hoping to see the same high-grade blog posts from you later on as well. In fact, your creative writing abilities has encouraged me to get my very own website now 😉

  103. The very next time I read a blog, I hope that it does not disappoint me just as much as this particular one. I mean, Yes, it was my choice to read, nonetheless I really thought you’d have something useful to say. All I hear is a bunch of moaning about something you could fix if you were not too busy looking for attention.

  104. Hi, I do think this is a great web site. I stumbledupon it 😉 I am going to return yet again since i have bookmarked it. Money and freedom is the best way to change, may you be rich and continue to help other people.

Tinggalkan Balasan

Alamat email Anda tidak akan dipublikasikan.

Kinaya Residence Andara 900 Meter Dari Pintu Tol
Hello. Add your message here.